7 TOOLS TO PREVENT IDENTITY THEFT FRAUD BY GARY GRESHAM
Gregg Gresham discusses a few things we must know about identity theft fraud.
Identity theft fraud in America has reached epidemic proportions having surpassed 27 million cases and increasing every year.
The banks are taking identity theft fraud very seriously and have taken substantial measures to protect your identity and your accounts against scammers.
They have implemented a password protection for online transactions. When you use your online services, keep your secret password protected so only you know what it is.
All online bank transactions are now encrypted which converts your information into a secure code, protecting you against would be hackers.
To protect yourself here are a few more things you should know about preventing identity fraud :
- Never give out information such as checking and credit card numbers or your Social Security number to anyone you do not know.
- Notify your bank immediately if you lose or have your checks stolen. They can be flagged with a fraud notice to block payment.
- Don't give the PIN number on your ATM card to anyone and never write the number down and keep in your wallet. Always take your ATM receipts with you after a transaction.
- Shred any financial papers you receive before disposing of them. This includes any solicitation notices that you may receive for any credit cards or mail from other financial institutions.
- If you don't receive a regular monthly bill, call the company to find out why.
- Check out the bills you do receive to make sure all the transactions are legitimate. If there is anything suspicious call the company immediately to stop any fraud from going any further.
- Check your credit report at least once a year to make sure the information is correct.
In December 2004 the Fair and Accurate Credit Transactions Act was put into effect and one provision requires that the three major credit reporting agencies are to provide consumers with a free copy of their own credit report.
Another provision to help fight identity theft is the National Fraud Alert System. This allows consumers who reasonably suspect they have been a victim of identity theft can place an alert on their credit files. This alert will tell potential creditors that they must proceed with caution when granting credit.
Scammers can get the information they need to assume your identity from a variety of sources. They range from stealing your wallet to digging in your trash. They may approach you in person, by telephone or on the Internet.
The sources of information about you are so numerous that you cannot totally prevent the theft of your identity. But identity theft fraud can be minimized by just becoming aware of the possibilities.
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SPYWARE DEFINITION LIST BY GREGG GRESHAM
The list of adware and spyware definitions runs very long. But these definitions listed below are some of the most common ones. This is a glossary of spyware facts and terms so you'll know what these malicious programs can do to your computer.
Adware
Adware components install along with a shareware or freeware download. The adware developer creates revenue advertisements usually through pop up windows. Most adware components are actually installed with consent from the user. The reason this happens is because most people never bother to read the end-user license agreement that comes with software.
Spyware
Spyware is often installed bundled with freeware or shareware, much like adware. Spyware gathers and transmits sensitive and personal information about the user's behavior to an unknown party. The data is collected without the user even knowing it happened. By the time you discover it, the damage has been done and the hacker is long gone.
Browser Hijackers
Browser hijackers are innocently installed as helpful browser toolbars. They can alter your browser settings and can change your default home page to point to another site.
Trojan Horse Programs
Trojan horse programs sneak into your system and run without you realizing it like spyware. Programmers use these programs for any number of malicious uses and none of them you would approve of. But one good thing is Trojan horse programs do not make copies of themselves.
Tracking cookies
Tracking cookies are files with small amounts of data like passwords and settings. Tracking cookies can provide a benefit to you especially if you revisit web sites. But in the wrong hands, cookies are used to track your Internet behavior. This is done without your knowledge or consent and provides marketers with private information about you.
Keyloggers
Keyloggers are programs that run silently in the background, recording all your keystrokes. Once the keystrokes are logged, they can be retrieved later by the hacker using a remote keyloggers program. The hacker can get your passwords, credit card numbers and any other personal information on your computer.
Malware
The definition of malware is any malicious software or program that will harm your computer. Computer viruses, worms and Trojans are all considered malware, but several other types of programs may also be included under the term.
Password Cracker
A password cracker is simply a program used to decrypt a password or password file. Security administrators use password crackers for legitimate use by using them to improve system security. But you can only imagine the dangers when a hacker gets a program like this.
There are many other spyware definitions including scumware, annoyanceware, parasites and the list continues to grow daily.
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